Buying A House With 580 Credit Score May 2026

Buying a house with a is achievable in the current 2026 market, primarily through government-backed loan programs like FHA , VA , and USDA . While a 580 score is often classified as "fair" or "subprime," many lenders view it as a viable entry point for homeownership, provided you meet other financial stability markers. Mortgage Loan Options for 580 Scores FHA Loan Requirements in 2026